TransUnion Dispute

By John Cooper

To dispute an item on your TransUnion credit report you must use the dispute process. This is done by creating and mailing a dispute letter or hiring a service to dispute items on your credit report on your behalf.

You should know that you must file a dispute separately with each credit bureau. Failure to do this and you may remove an item from your TransUnion report, however that item will still be shown on your Experian and Equifax reports.

In a dispute letter the disputed item must be identified and a reason as to why the item is wrong. For example; not my account, account paid, item is out of date, and etcetera.

When TransUnion gets your dispute they will conduct an investigation. During which the lender is contacted and asked to verify the dates, the account, and the balance.

If the lender is unable to verify the account then the item must be erased from your credit report. Often an investigation will result in the removal of a bad credit item.

If your account is verified by the lender then if you have a service this can be very beneficial. A service is able to use advanced dispute techniques to remove items. These techniques are; escalated dispute information requests, creditor direct intervention, and debt validation.

Many people are concerned with credit repair being legal or not. Credit repair is in fact legal the Fair Credit Reporting Act that Congress passed gives the consumer the right to dispute any item on their credit report that they feel is inaccurate.

We recommend saving all your communications with TransUnion. Also the credit bureaus have started allowing people to dispute items online, we have found this to be an ineffective way of disputing items on your credit.

In addition you should know that the 100 word statement is never a good thing to fill out. In the past this statement was used to explain why a negative item occurred.

Today it is very rarely looked at by lenders and is more often used by the bureaus. The bureaus see this as an admission of guilt and will ignore any letters you send to dispute and remove this item; your letters will be deemed frivolous.

In sum you can remove bad credit items from TransUnion. This is done by disputing the item.

About the Author:

For a review of Lexington Law a suggested credit repair service or for information about how to remove credit card judgments visit us.

Simple Credit Repair Anyone Can Do - Even You!

By Mark Alison

Whatever your background or record, you can take some simple and quick steps to begin your own credit repair. It costs nothing and you can begin right away - but the results can be tremendous!

The first step is to get copies of your credit report, read them, and understand them. There are three credit reporting agencies, and there can be differences in your file between them.

The law entitles consumers to a free copy of the credit report, one from each of the three agencies: TransUnion, Equifax, and Experian. You are able to get one from each bureau every year.

The FTC, or Federal Trade Commission has a website set up specifically for this: annualcreditreport.com. This is the "official" site for these free reports - be wary of any other offers for "free" credit reports, as they won't actually be free.

As soon as you receive your reports, you can begin the process of credit repair. You will start by going through these files line by line.

Along with the report, you will get a "dispute" form - or an address where you can get it. This is where your initial credit repair efforts will focus.

Make a note of every outdated, inaccurate, or incorrect entry - you will be disputing these. Fill out a dispute form and provide corrected information, or why it is inaccurate, such as debts that have already been paid but are still listed.

By federal law, the credit reporting bureaus have up to 30 days to verify each dispute. If they don't do so, or don't do it within the 30 days, they must remove those entries from your credit report.

With just this simple step, some of these negative entries will be removed from your credit report. They will no longer contribute to a low credit score, and your score will immediately go up - sometimes by hundreds of points!

About the Author:

Click Here For More Simple Steps To Credit Repair!

Laptop Computer Deal Options To Wait For

By Chris Channing

Spending tons on a laptop pc is not recommended unless you are saving tons in the first place. Taking hold of your impulsive tendencies may get you a better deal in the long run. You can save a whole lot by waiting for the right moment that you can later use towards rewarding yourself. The savings are even greater when you wait for the holiday seasons when prices plummet.

Dell laptops are some of the most looked after computers. Many dealers carry Dells just to find them disappear as soon as they go on sale. Many stores go out of stock before they go on sale because they are so popular with today's youth and busy business individuals.

Spending tons on electronics is not hard to do, especially when you wish to get all of the services and everything on a single device. You can save money by waiting towards a holiday season and saving on many different laptops available everywhere. Many retailers like to get the laptop products to leave the store to make room for the upcoming ones and this allows for cheaper prices.

Many retailers have special rewards programs that earn you points when you make a purchase on their sites or even through their physical locations. You can get a great deal of extras when joining one of these types of programs. You can even get gift cards or coupons to severely reduce the total amount of your order or cart online and offline.

Auction type sites have great deals available if you make the time to look for them. You can get deals that may seem dirt cheap. That is good for you right? There is nothing better than getting a laptop in good condition for a fraction of the cost. This is a little more risky than other methods because there are lots of people that want the same deals as you! So you may have to have a bid war.

Black Friday is one of those days where many people celebrate the joy of having the chance to buy stuff dirt cheap for the Christmas holidays. This can be a great chance to get a brand new laptop for prices well below the retail price.

Closing Comments

Laptops are almost a necessity when it comes to college students. You might want to save a ton on a holiday gift of a laptop computer for a special scholar in your life!

About the Author:

Learn more on Computer Deals Australia and Dell Computers Australia.

Credit Dispute Letter - Remove Bad Credit

By Justin Hutto

A dispute letter is your method of challenging the accuracy or validity of a bad credit mark on your report. In your letter you need to include the reason for your dispute and the mark that you are disputing.

Common reasons for a dispute are; account is not mine, account paid in full, item is out of date and more. When the credit bureaus receive your dispute and deem it valid they will investigate the dispute.

During and investigation the credit bureau will contact the lender or collection agency that made the negative mark and verify the debt and its dates and amounts. If the account can not be verified then it must be removed from your report.

Frequently investigations result in bad credit marks being removed from your credit. This is often because businesses do not want to spend the extra money and time validating disputed debts.

There are rumors that credit bureaus do not check public records to verify debt. This means that bad credit marks such as a judgment or foreclosure are often removed through a dispute.

You can also hire a credit repair service to dispute your credit report for you. This can be very helpful if you are disputing multiple bad credit items on your report.

It is common for a dispute letter to result in the bureaus sending you a letter requesting more information about the dispute. In addition each credit bureau needs to be disputed separately.

This means organizing your disputes can become a challenge on its own. Many services can also use advanced dispute techniques in case a bad credit item is verified. These techniques include; creditor direct intervention, escalated dispute information requests, and debt validation.

Frequently these services will have lawyers on their staff which will enable you to go to court if it is required. Also with a service you may be eligible to file a lawsuit against a collection agency for illegal debt collection practices.

Credit repair is your responsibility. Unfortunately it is very common for inaccurate information to be reported on your credit report. It is estimated that 1 in every 4 Americans have inaccurate items on their report.

In sum, dispute any inaccurate or unverifiable bad credit marks on your report. You do not have to wait 7 years for a mark to be removed from your credit.

About the Author:

For a free sample dispute letter to remove bad credit items on your report or to learn about how you can remove nco collections a common collection agency from your credit visit us.

Do Bad Credit Student Loans Exist

By Dave Davis

When I was younger, I absolutely destroyed my credit. I got two student credit cards in my first year of school and it all went downhill from there. My parents hadn't taught me about credit and honestly, my money management in general was just terrible. Since my parents couldn't help me with school, paying for it was always very difficult.

Since I ruined my credit, I had a hard time qualifying for anything. Trust me when I tell you that trying to run your finances with a 450 credit score is a quite interesting challenge. The worst part is getting denied for credit - the embarrassment will get to anyone. I honestly didn't think student loans were even a remote possibility.

School is now over for me and I have started correcting my credit. I actually now have a credit score over 700. Since I'm somewhat interested in going to grad school, I have been looking into student loans. The funny thing is that I now realize that I could have taken out loans all along.

The United States government created Stafford loans to help almost everyone to be able to get an education. Even if your credit is poor, the government will sign for you with the bank. They would definitely come after you if you defaulted on the loan, but the possibility opens up a lot of doors for people with poor credit.

Economically, it makes perfect sense for the government to loan money to students. Even students that have bad credit will increase their lifetime earnings significantly if they graduate from college. The government knows they will get more in taxes if they can get more people to finish school.

In order to qualify for Stafford loans, you have to be a citizen of the United States that is in financial need. In other words, if your parents can easily afford to pay for your college, it will be impossible for you to take out Stafford loans. If you have need, you can be approved quite easily.

Stafford loans are almost always available to people as long as they haven't defaulted on a student loan in the past. Once you have a default, you are required to repay your previous loan before you can take out another.

Student loans would have helped me immensely while I was in college. I wasted tons of times trying to pay for school and in the end, it cost me a few years. Getting loans could have really sped up my process.

About the Author:

Dave helps educate people about guaranteed online personal loans and bad credit student loans.